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The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 BBG001S5N8V8 1,032,439 6,261 SH   SOLE   0 0 6,261
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 BBG001SPJ625 388,652 12,303 SH   SOLE   0 0 12,303
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 350,760 7,011 SH   SOLE   0 0 7,011
ECOLAB INC COM 278865100 BBG001S5QRB5 807,455 4,878 SH   SOLE   0 0 4,878
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 640,331 6,453 SH   SOLE   0 0 6,453
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 279,584 5,767 SH   SOLE   0 0 5,767
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 3,599,347 43,809 SH   SOLE   0 0 43,809
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 5,319,631 149,638 SH   SOLE   0 0 149,638
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 401,653 6,995 SH   SOLE   0 0 6,995
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 1,801,703 36,807 SH   SOLE   0 0 36,807
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 7,323,418 109,550 SH   SOLE   0 0 109,550
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 5,656,868 22,613 SH   SOLE   0 0 22,613
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 7,866,158 81,346 SH   SOLE   0 0 81,346
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,314,380 5,630 SH   SOLE   0 0 5,630
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 559,778 5,618 SH   SOLE   0 0 5,618
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 3,942,994 78,234 SH   SOLE   0 0 78,234
ISHARES TR ESG ADVNCD HY BD 46435G441 BBG00D331HK0 424,798 9,574 SH   SOLE   0 0 9,574
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 270,262 3,762 SH   SOLE   0 0 3,762
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 718,311 21,133 SH   SOLE   0 0 21,133
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 231,121 4,809 SH   SOLE   0 0 4,809
ISHARES TR ESG AWRE USD ETF 46435G193 BBG00H4BH3F2 1,131,510 49,164 SH   SOLE   0 0 49,164
ISHARES TR ESG SCRD S&P MID 46436E551 BBG00XDJF7W4 354,108 10,418 SH   SOLE   0 0 10,418
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 256,443 8,300 SH   SOLE   0 0 8,300
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 5,464,229 72,326 SH   SOLE   0 0 72,326
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 7,438,573 67,864 SH   SOLE   0 0 67,864
ISHARES TR INTL TREA BD ETF 464288117 BBG001T33MN2 3,077,191 76,528 SH   SOLE   0 0 76,528
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 518,949 7,256 SH   SOLE   0 0 7,256
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 439,979 11,150 SH   SOLE   0 0 11,150
ISHARES TR MSCI KLD400 SOC 464288570 BBG001SRYH02 1,507,079 19,324 SH   SOLE   0 0 19,324
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 241,445 2,241 SH   SOLE   0 0 2,241
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 4,398,967 19,531 SH   SOLE   0 0 19,531
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 8,149,871 33,356 SH   SOLE   0 0 33,356
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 3,436,051 22,567 SH   SOLE   0 0 22,567
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 259,333 3,709 SH   SOLE   0 0 3,709
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,264,237 11,467 SH   SOLE   0 0 11,467
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 7,441,153 318,270 SH   SOLE   0 0 318,270
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 BBG0079TF237 604,039 22,347 SH   SOLE   0 0 22,347
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 397,420 2,564 SH   SOLE   0 0 2,564
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 556,903 7,225 SH   SOLE   0 0 7,225
ROSS STORES INC COM 778296103 BBG001S5VRS1 224,040 2,111 SH   SOLE   0 0 2,111
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 3,275,118 50,255 SH   SOLE   0 0 50,255
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 4,283,652 133,364 SH   SOLE   0 0 133,364
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 1,464,689 42,915 SH   SOLE   0 0 42,915
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 373,847 913 SH   SOLE   0 0 913
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 1,638,991 43,394 SH   SOLE   0 0 43,394
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 3,733,861 91,696 SH   SOLE   0 0 91,696
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 634,471 8,603 SH   SOLE   0 0 8,603
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 403,791 5,279 SH   SOLE   0 0 5,279
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 714,379 9,676 SH   SOLE   0 0 9,676
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 7,718,598 157,780 SH   SOLE   0 0 157,780
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 13,779,564 55,242 SH   SOLE   0 0 55,242
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 5,202,659 27,850 SH   SOLE   0 0 27,850
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 1,002,709 5,145 SH   SOLE   0 0 5,145
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 986,621 7,359 SH   SOLE   0 0 7,359
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,740,273 12,992 SH   SOLE   0 0 12,992
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 967,665 11,653 SH   SOLE   0 0 11,653
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,069,090 6,734 SH   SOLE   0 0 6,734
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 3,711,016 19,577 SH   SOLE   0 0 19,577
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 1,178,136 5,444 SH   SOLE   0 0 5,444
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 14,735,923 106,697 SH   SOLE   0 0 106,697
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 4,563,504 85,347 SH   SOLE   0 0 85,347
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 3,780,470 93,576 SH   SOLE   0 0 93,576
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 356,355 7,452 SH   SOLE   0 0 7,452
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 1,785,669 29,781 SH   SOLE   0 0 29,781
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 1,983,760 24,729 SH   SOLE   0 0 24,729
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 3,034,793 39,811 SH   SOLE   0 0 39,811
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 BBG001TCHM11 2,312,169 12,409 SH   SOLE   0 0 12,409
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 2,933,293 43,905 SH   SOLE   0 0 43,905
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 BBG001TCHH03 863,262 7,164 SH   SOLE   0 0 7,164
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 6,711,042 148,573 SH   SOLE   0 0 148,573
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 800,270 15,284 SH   SOLE   0 0 15,284
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 1,810,032 25,241 SH   SOLE   0 0 25,241